Software Comparison

Revolut Business vs Sage - Irish business-banking Software Compared

Choosing between Revolut Business and Sage is one of the most common decisions Irish businesses face when evaluating business-banking software. This comparison breaks down everything an Irish SME needs to know, from Revenue integration and GDPR data residency to pricing and ease of use.

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Last verified: 05 Apr 2026 data verified to the older of the two vendor profiles Methodology

Quick Verdict

Revolut Business vs Sage - Feature Comparison

Feature	Revolut Business	Sage
Free Trial	Free Basic plan with no time limit; upgrade optional.	Free trial available on paid plans.
PAYE Modernisation	Not supported. Revolut is a banking and invoicing tool, not a payroll or accounting platform.	Fully supported natively, covering Irish employer payroll reporting requirements.
Revenue Integration	Not supported.	Supported, enabling direct filing and compliance workflows with Irish Revenue.
Irish Bank Feeds	Issues an Irish IBAN through Revolut Bank UAB Irish branch and pushes transaction data into Xero, QuickBooks, and Sage via API. No native AIB, Bank of Ireland, or PTSB consumer-bank feed.	Direct bank feeds for AIB and Bank of Ireland.
VAT and Local Tax Logic	No VAT handling or local Irish tax logic built in.	Standard VAT handling, Reverse Charge VAT, and RCT support for Irish construction and subcontractors.
SEPA and Payments	SEPA Credit Transfer and SEPA Instant Credit Transfer supported. Irish IBAN issued directly.	SEPA Direct Debit supported. Bank feeds compatible with AIB and Bank of Ireland SEPA infrastructure.
GDPR Data Residency	EU data residency confirmed.	EU data residency confirmed.
Pricing
Starting Price	Free tier available	From €17/user/month
Free Trial	✓	✓
Irish Compliance
Revenue Integration	✗	✓
PAYE Modernisation	✗	✗
Irish Bank Feeds	✓	✓
GDPR Data Residency	EU	EU
SEPA Direct Debit	✓	✓
Irish IBAN Support	✓	✓
VAT Handling	✗	✓

Irish Compliance Comparison

For Irish businesses, compliance with Revenue, GDPR, and local banking standards is non-negotiable. Here is how Revolut Business and Sage compare on the requirements that matter most to Irish SMEs.

Revenue Integration

Sage supports full Revenue Online Service (ROS) integration for VAT returns and tax submissions, while Revolut Business does not offer native Revenue integration. If direct Revenue filing is important to your workflow, Sage has the edge here.

PAYE Modernisation

Neither Revolut Business nor Sage includes native PAYE Modernisation. Irish employers will need a dedicated payroll solution (such as BrightPay or Collsoft) alongside either platform to meet their real-time reporting obligations to Revenue.

Irish Bank Feeds

Revolut Business supports SEPA Credit Transfer, SEPA Instant. Sage supports AIB, BOI. Both support the same Irish banks, so bank compatibility is not a deciding factor here.

GDPR Data Residency

Both Revolut Business and Sage store data in EU data centres, providing strong GDPR compliance out of the box. Irish businesses can use either platform without worrying about cross-border data transfers to the US or other non-EU jurisdictions.

SEPA and IBAN Support

Both Revolut Business and Sage support SEPA Direct Debit and Irish IBAN format. This means you can process euro payments, set up direct debits, and handle bank transfers in the standard European format without any manual workarounds.

VAT Handling

Sage includes Irish VAT handling for return preparation and submission. Revolut Business does not handle VAT natively - Irish businesses using Revolut Business will need their accounting software to manage VAT obligations separately.

Pricing Comparison

All prices below are in euro. Pricing can change - we verify vendor pricing monthly, but always confirm on the vendor's website before purchasing.

Revolut Business

Free

Pricing model: Flat rate
Free trial: Yes
EUR pricing guaranteed: Yes

View Revolut Business pricing →

Sage

€17 /mo per user

Pricing model: Per user
Free trial: Yes
EUR pricing guaranteed: Yes

View Sage pricing →

Revolut Business does not publish entry-level pricing - request a quote directly. Total cost of ownership depends on users, plan tier, add-ons and features, so always calculate the full annual cost for your team size before committing.

Who Should Choose Revolut Business

Revolut Business is the better fit if your business matches one or more of these profiles:

✓ Those who value: fast online onboarding, typically days not weeks
✓ Those who value: irish iban available via revolut bank uab irish branch
✓ Those who value: strong multi-currency and fx rates for international smes

Who Should Choose Sage

Sage is the better fit if your business matches one or more of these profiles:

✓ Those who prioritise user satisfaction - Sage has a higher editorial rating (4.5/5)
✓ Those who value: deep irish market knowledge
✓ Those who value: strong accountant network

Our Verdict

Neither vendor offers native cash-based lending or overdraft facilities, and both sit behind cloud-first or hybrid architectures rather than traditional branch banking. Irish SMEs with RCT obligations or established accountant relationships on Sage should default to Sage; those prioritising multi-currency invoicing, FX efficiency, and modern bookkeeping automation will find Revolut Business the more capable and frictionless option.

Ultimately, the best choice depends on your specific business needs, team size, and priorities. We recommend taking advantage of free trials from both vendors before making your final decision. If you are working with an Irish accountant or payroll bureau, ask which platform they prefer - their familiarity with the software can save you significant time and hassle during setup and ongoing support.

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Frequently Asked Questions

Is Revolut Business or Sage better for Irish SMEs?

Revolut Business is the stronger pick for Irish SMEs that are tech-forward, internationally active, or launching a new venture and need fast onboarding, an Irish IBAN, SEPA Instant transfers, and clean integrations with Xero, QuickBooks, and Sage. Sage wins decisively for Irish businesses in construction, professional services, or any sector where PAYE Modernisation, RCT, and Reverse Charge VAT are non-negotiable compliance requirements, backed by a deep Irish accountant network and native bank feeds for AIB and Bank of Ireland. On Irish-specific compliance, the gap is significant: Sage supports PAYE Modernisation and Revenue integration natively, while Revolut Business does not, making Sage the only viable choice here for payroll-heavy or Revenue-facing workflows. Neither vendor offers native cash-based lending or overdraft facilities, and both sit behind cloud-first or hybrid architectures rather than traditional branch banking. Irish SMEs with RCT obligations or established accountant relationships on Sage should default to Sage; those prioritising multi-currency invoicing, FX efficiency, and modern bookkeeping automation will find Revolut Business the more capable and frictionless option.

Which is cheaper, Revolut Business or Sage?

Revolut Business starts at Free tier available, while Sage starts at From €17/user/month. Revolut Business is the more affordable option at entry level, though total cost depends on the number of users and features you need.

Does Revolut Business or Sage have better Irish bank feeds?

Revolut Business supports SEPA Credit Transfer, SEPA Instant. Sage supports AIB, BOI. Both offer similar Irish bank compatibility.

Which has better GDPR compliance, Revolut Business or Sage?

Revolut Business stores data in EU data centres (GDPR-friendly). Sage stores data in EU data centres (GDPR-friendly). Both offer EU data centre options, though configuration may be required.

Can I switch from Revolut Business to Sage?

Yes, migrating between Revolut Business and Sage is possible. Most business-banking platforms allow you to export your data in CSV or standard formats. We recommend working with your accountant or IT provider to plan the migration, ideally at the start of a new financial year or payroll period to minimise disruption.

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